Originally created 09/26/96

No quick fix for bad credit



Not all credit reporting agencies will have your complete credit history, because not all creditors are members of every agency. For a complete look, you may have to request a history from each company.

Anyone can request a copy of their credit history whenever they want, but there may be a fee. Each agency does offers a free copy to you within 30 days of being denied credit.

The history will not include a credit score, because creditors develop their own scoring methods. Ask businesses or banks that extend credit to you for your scores and explanations of them.

TRW Consumer Assistance Center
1-800-682-7654
P.O. Box 8030
Layton, Utah, 84041-8030
Fee: free (one report per year)

Equifax Credit Information Services
1-800-685-1111
P.O. Box 105873
Atlanta, Ga., 30348
Fee: free in Georgia, $8 in South Carolina and most other states

Trans Union Corporation
(316) 634-8440
P.O. Box 390
Springfield, Pa., 19064
Fee: $8